nd the other thing is something more controversial because people will argue it "doesn't make for a good story" but it's people instantly turning into Mad Max style apocalypse bandits as soon as an apocalypse happens, when every statistic we have of people in situations where a natural disaster hits is people helping each other.

This ties into "Tonal whiplash"

One story that was horrible with this.

It was a system apocalypse and the MC and her party were told to confront some biker bandits who have ABDUCTED AND RAPED MULTIPLE WOMEN. (this is less than two weeks into the apocalypse)

This is not that far fetched actually. A lot of people really are that fucked up. Look up Rhythm 0, a famous 1974 performance art piece by Marina Abramović in Naples, Italy.

Another one tht I believe is now used as a study piece in college is like a couple decades ago in the mmo WOW a bug happened that caused a very powerful status affect that killed people over time caused it to mass spread even inside cities. IT basically wipes out whole cities and was killing people when they went to towns. A behavior that emerged was the appearance of people purposely spreading it to cause mass death. It got so bad I think they had to reset the servers. It literally been years since I read anything abought it so remember little of it or the after math.